Michigan Winter Insurance Myths

“I don’t need insurance for my snowmobile because I only use it in the winter.”

Truth: Off-road vehicle insurance is essential even for seasonal use many claims happen during storage, trailering, or due to storms.

“Wildlife damage at my cabin is always covered.”

Truth: Some animal damage (like raccoons in the attic or bear break-ins) may not be covered depending on the policy or if it’s considered preventable.

“If my power goes out during a winter storm and food spoils, I’m out of luck.”

Truth: Many homeowners policies cover refrigerated food spoilage but you may need to add a small endorsement.

“If someone slips in my business's parking lot I am not liable.”

Truth: Liability coverage can help with scenarios like this, but to keep everyone safe, it is always best to try and prevent these situations. 

“Auto insurance does not cover snow and ice damage”

Truth: Snow damage to your vehicle would likely be covered through Comprehensive Coverage. 

“If heavy snow causes a tree to fall on my roof my home insurance won’t cover it.”

Truth: Falling objects is a covered peril, so if heavy snow knocks down limbs or branches and damages the roof, coverage will likely apply.